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Town-Country National Bank

Debit Cards

For your convenience, TCNB offers MasterCard Debit Cards for both personal and business accounts.

  • Free debit cards issued to new checking account holders
  • Accepted everywhere you see the Mastercard logo
  • Money is deducted from your checking account
  • ATM withdrawals also allow access to savings accounts
  • Access your money 24 hours a day
  • Faster and more convenient than writing checks; use your PIN or sign the receipt
  • Security Features:
    • Cards use chip technology
    • Security with 24/7 EnFact Fraud monitoring
    • MasterCard Secure Code available with participating online merchants
    • CardValet smartphone app gives you control over your card: set alerts, view card activity, turn your card off and on, set spending limits, and locate an ATM

ATM Cards

  • For the customer who just wants cash access at an ATM without the purchasing power of a debit card.

Suspicious Activity

Fraud Prevention Services is available around the clock, 365 days a year to help you. If you suspect suspicious activity on your card please call immediately


Lost or Stolen Debit Cards

It is important to report your lost or stolen card immediately. Hot carding services is available around the clock, 365 days a year!


EnFact Fraud Monitoring

At Town-Country National Bank, we work hard to protect your accounts against various types of fraud, from local scams to nationwide data breaches and more. It's important that you are aware of the products and services that are working for you, as some of them may require your attention and input to ensure they perform at an optimal level.

EnFact, our debit card fraud monitoring system, is a powerful tool that is constantly working to catch suspicious activity on your debit and credit card accounts. When suspicious activity is detected, EnFact will contact you via phone, text, and email to verify that the transactions made, or those attempting to be made, are coming from you and not a scammer.

It can be unexpected and perhaps unsettling to receive a phone call asking you about your purchase history - especially if you're away on vacation or don't recall making out-of-the-ordinary purchases recently. However, it's important to keep in mind that a call from EnFact is an example of Town-Country National Bank’s fraud protection working to guard your identity and your accounts. More importantly, you need to respond to these calls, as failing to do so may leave the door open for fraud to occur or result in your card being frozen from future use in order to prevent it.

Questions about EnFact? Here's what you should know.

What number will Enfact call me from?  Calls and Texts from EnFact will come between 8 AM to 9 PM from    1- 844-682-4502.

What will happen during the call?

EnFact will let you know that they are calling on behalf of Town-Country National Bank. They may ask a few questions to verify your identity, and will then ask you to verify recent transaction activity on your card (for example, "Did you recently make a purchase in the amount of $25.65 at ABC gas station?")

Listen carefully and feel free to ask for clarification, or for them to repeat the dollar amounts and merchant names if needed.

If you're able to confirm that you're the one who made the transactions, the call will wrap up. If you confirm that the activity is fraudulent, more steps will be taken (see below.)


What if I miss the call?  Should you miss their call, EnFact will leave a voicemail, which will include a case number. Contact Enfact at 1-877-682-4502 regarding your debit card with your case number, to verify the suspicious transactions.                                                                                                            

If you have any questions, please contact TCNB customer service at 334-682-4155 or 1-877-418-6411.

What if you don't have my phone number?  We ask that you take a moment to confirm that we have ALL of your current phone numbers on file with us - including home and mobile numbers. EnFact will call your primary account number you have listed on file in an attempt to alert you of unusual activity. You can make sure your information is up-to-date by calling TCNB customer service at 334-682-4155 or 1-877-418-6411.

If you cannot be reached by phone, EnFact will attempt to text you using your mobile phone number, and email you using the email address on file.  That is why it is very important that we always have updated information on file at the bank.

What kind of activity might be considered suspicious?

Reasons EnFact may call you include, but are not limited to:

  • Your card was used to make a purchase out-of-state (be sure to let us know if you will be traveling so we can mark your card.)
  • Your card was used to make a transaction with a larger dollar amount, or a series of larger dollar amounts, than you typically spend.
  • Your card was used to make a purchase at a store you haven't frequented or visited in the past.
  • Your card was used out-of-state or at a retailer you don't frequent and your PIN number was entered wrong.

Keep in mind that you won't receive a call each and every time you find yourself in one of these situations. EnFact predicts the probability of fraud on an account by comparing current transactions to current fraud trends, and reaches out when something seems really suspicious.

What happens if it is discovered that my card information actually has been compromised?   In the event that you confirm fraud has taken place, your card will be blocked or restricted to prevent additional fraudulent transactions from posting, and Town-Country National Bank will cancel your card.

From there, you'll need to contact us during normal business hours - call 334-682-4155 or 1-877-418-6411 to verify that your card has been closed and that no fraudulent transactions have cleared your account. If fraudulent transactions have cleared, you will be asked to complete a fraud form. At this point, we will order you a new card.

In some cases, you'll want to find out who stole your information and press charges. This will require filing a police report.